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North Georgia National Bank

Calhoun, GA · Cert 34662

FDIC · 3 branches

Q3 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in GA3

Basis

Quarter: Q3 2025, the quarter ended September 30, 2025, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in GA (n=63 to 64). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

2

Q2 2024Q3 2025peer median (50)

Asset Quality

23

Q2 2024Q3 2025peer median (50)

Profitability

50

Q2 2024Q3 2025peer median (50)

Liquidity

92

Q2 2024Q3 2025peer median

Efficiency

37

Q2 2024Q3 2025peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

North Georgia National Bank

Calhoun, GA · Cert 34662

FDIC · 3 branches

Q3 2025

$271.7MAssets
$178.7MLoans
$252.9MDeposits
$16.3MEquity
Loan mix
89%RE $157.9M10%C&I $17.6M1%Consumer $1.8MQ3 2024Q3 2025
Deposit mix
86%Interest-bearing $218.2M14%Noninterest $34.6MQ3 2024Q3 2025

NIM

4.46%Q3 ’235.18%Q3 ’245.59%Q3 ’25-2%+4%

Non-interest income vs. expense

2.51%Q3 ’232.64%Q3 ’242.53%Q3 ’25+4%-2%

Market Position · Dalton, GA · 2025 SOD (annual) · 1.1% share · #10 of 10 inst. · $0.0B of $3.0B

20.2% Gordon
1.3% Whitfield

Executive Summary

  • Earnings: ROA of 1.14%, up 18 bps year over year; NIM at 3.70%.
  • Asset quality: problem loans at 0.90% of loans (+35 bps YoY), with net charge-offs at 0.22%.
  • Capital: tier 1 leverage ratio of 9.01%, up 12 bps from a year ago.
  • Funding: loans stand at 70.68% of deposits as of Q3 2025.

Financial Results

Return on Assets (YTD, annualized)

1.14%+18 bps YoY

Net Interest Margin (YTD, annualized)

3.70%+14 bps YoY

Efficiency Ratio (YTD, annualized)

61.14%-383 bps YoY

Tier 1 Leverage Ratio

9.01%+12 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025YoY ΔTrend
Earnings
Return on Assets0.95%1.07%0.99%1.10%1.14%+18 bps
Return on Equity20.85%22.92%19.38%21.22%21.07%+22 bps
Net Interest Margin3.56%3.42%3.62%3.64%3.70%+14 bps
Efficiency Ratio64.97%62.48%62.57%61.10%61.14%-383 bps
Non-Interest Burden2.14%1.91%2.12%2.05%2.09%-5 bps
Growth
Asset Growth (YoY)20.64%10.95%15.32%16.49%7.25%-1,339 bps
Loan Growth (YoY)23.76%22.15%22.55%27.28%24.78%+102 bps
Deposit Growth (YoY)18.51%10.39%13.75%15.55%6.12%-1,240 bps
Asset Quality
Nonperforming Loans / Loans0.55%0.24%0.10%0.09%0.90%+35 bps
Net Charge-Offs / Loans0.06%0.07%0.48%0.23%0.22%+15 bps
Allowance / Loans1.27%1.23%1.15%1.12%1.09%-18 bps
Allowance Coverage of NPLs2.3x5.1x11.5x12.4x1.2x-1.1x
Capital
Tier 1 Leverage Ratio8.90%9.03%8.78%8.82%9.01%+12 bps
Total Risk-Based Capital8.90%9.03%8.78%8.82%9.01%+12 bps
Equity / Assets5.17%4.99%5.25%5.34%5.99%+83 bps
Liquidity & Funding
Loans / Deposits60.11%64.34%64.55%69.40%70.68%+1,057 bps
Liquid Assets / Assets11.19%8.02%10.43%6.97%5.57%-563 bps
CRE / Total Capitaln/an/an/an/a402%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

North Georgia National Bank

Calhoun, GA · Cert 34662 · Peer group: banks under $1B in assets in GA (n=63-64)

FDIC · 3 branches

Q3 2025

$271.7MAssets
$178.7MLoans
$252.9MDeposits
$16.3MEquity

Executive Summary

  • Strongest standing: brokered deposits / deposits outperforms 100% of banks under $1B in assets in GA (rank 47 of 63).
  • Widest gap: total risk-based capital ratio trails 100% of banks under $1B in assets in GA (rank 64 of 64).
  • Overall: at or above the peer median on 2 of 10 directional measures.

Return on Assets

1.11%

Rank 45 of 64

Net Interest Margin

3.70%

Rank 44 of 64

Efficiency Ratio

61.14%

Rank 41 of 64

Equity / Assets

5.99%

Rank 61 of 64

Non-interest income vs. expense

$1.2M$6.8MINCOMEEXPENSE
Unfavorable gap of $5.6M · efficiency ratio beats 37% of banks under $1B in assets in GA
Bank 61.14%Peer median 59.9%Q2 2024Q3 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.11%1.00%1.42%1.69%Beats 30%45 / 64
Return on Equity18.59%9.71%12.77%16.36%Beats 89%7 / 64
Net Interest Margin3.70%3.52%4.20%4.78%Beats 31%44 / 64
Efficiency Ratio61.14%53.28%59.95%68.74%Beats 37%41 / 64
Asset Quality
Nonperforming Loans / Loans0.90%0.12%0.47%1.09%Beats 32%44 / 63
Net Charge-Offs / Loans0.17%0.01%0.03%0.10%Beats 14%55 / 63
Capital
Tier 1 Capital Ratio9.01%12.05%15.28%20.08%Beats 2%63 / 64
Total Risk-Based Capital Ratio9.01%12.50%15.97%21.21%Beats 0%64 / 64
Equity / Assets5.99%8.57%10.52%13.65%Beats 5%61 / 64
Liquidity & Funding
Loans / Deposits70.68%57.79%69.14%82.25%51st pctl31 / 63
Loans / Assets65.77%51.35%62.31%71.15%65th pctl22 / 63
Brokered Deposits / Deposits0.00%n/an/a0.58%Beats 100%47 / 63